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EP 3 803 744 A1

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(43) Date of publication: 14.04.2021 Bulletin 2021/15 (21) Application number: 19814631.8 (22) Date of filing: 05.06.2019

(51) International Patent Classification (IPC):  G06Q 20/04(2012.01) G06Q 20/40(2012.01) G06Q 20/08(2012.01) (86) International application number: PCT/US2019/035604 (87) International publication number: WO 2019/236718 (12.12.2019 Gazette 2019/50)

(84) Designated Contracting States: AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR Designated Extension States: BA ME Designated Validation States: KH MA MD TN (30) Priority: 05.06.2018 US 201862680674 P (71) Applicants: JPMorgan Chase Bank, N.A. New York, NY 10179 (US) Vudathu, Raghuram New York, NY 10179 (US) Kulshreshtha, Ankur New York, NY 10179 (US) Paharia, Ishank New York, NY 10179 (US) Mummareddi, Pavan New York, NY 10179 (US) Brandt, Benjamin New York, NY 10179 (US) Felix, Mervin Majella New York, NY 10179 (US) Chandran Karuvathil, Ajith New York, NY 10179 (US) Neelan, Arun New York, NY 10179 (US) Nagarakanti, Rajeeva Chandra New York, NY 10179 (US) Kunam, Venkata New York, NY 10179 (US)

(72) Inventors: VUDATHU, Raghuram New York, NY 10179 (US) KULSHRESHTHA, Ankur New York, NY 10179 (US) PAHARIA, Ishank New York, NY 10179 (US) MUMMAREDDI, Pavan New York, NY 10179 (US) BRANDT, Benjamin New York, NY 10179 (US) FELIX, Mervin Majella New York, NY 10179 (US) CHANDRAN KARUVATHIL, Ajith New York, NY 10179 (US) NEELAN, Arun New York, NY 10179 (US) NAGARAKANTI, Rajeeva Chandra New York, NY 10179 (US) KUNAM, Venkata New York, NY 10179 (US) SPECTOR, Howard New York, NY 10179 (US) CONNOLLY, Eric L. New York, NY 10179 (US) CAREY, David Christopher New York, NY 10179 (US) SUNDAR, Gayathri New York, NY 10179 (US) (74) Representative: Leonhard, Frank Reimund  Leonhard & Partner Patentanwälte Postfach 10 09 62 80083 München 80083 München (DE)